Scientific Loan is a smart credit service platform with technological innovation and dedicated service. We hope to become your reliable cash loan support tool and guide you to manage your finances in a healthy way. Our Services
◉ Loan limit range: 600,000 VND - 38,000,000 VND
◉ Loan term: Minimum 91 days, maximum 180 days
◉ Maximum annual interest rate (APR): 19%/year
◉ No additional fees

For example:
If you apply for a loan with a principal of 1,000,000 VND, the loan term is 120 days, the interest rate is 12%/year
Total interest: 1,000,000 VND * 12% / 365 * 120 = 39,452 VND

Total amount to be paid: 1,000,000 VND + 39,452 VND = 1,039,452 VND

Why choose us
1. Credit benefits
Each on-time payment, we will re-evaluate your loan limit increase rate and loan interest rate reduction rate.

2. Transparent loan process
Just download the Scientific Loan application. The loan approval process is transparent and all steps can be completed via mobile phone.

3. Personal data security
Protecting user data is our top priority, We adhere to a strict privacy policy, all user data is encrypted and securely stored.

4. No collateral required
Our loan service does not require collateral, but will be considered based on credit score.

How to borrow money
✔︎ Register an account
✔︎ Provide personal information
✔︎ Loan eligibility review
✔︎ Submit loan application
✔︎ Loan application review
✔︎ Disbursement to account

How to pay
◉ Please use online banking/Viettel Pay/Zalo pay to pay into the VA account displayed on the Scientific Loan application for each loan.
◉ After payment is completed, you will receive a message confirming successful payment.

Loan conditions
◉ This product is only for people aged 18 and over.
◉ Must be a Vietnamese citizen.
◉ Have a valid CCCD/CMND issued by the government.

Is Scientific Loan an online credit application?
Yes, Vay khoa hoc is a fast online loan application without any collateral. The entire process can be completed on your phone, the loan will be transferred to your bank card account. You are free to use it according to your needs.

Reminder
◉ Vay khoa hoc will strictly comply with relevant laws and regulations of Vietnam. Please ensure that the loan registration information is correct.

◉ Late payment may affect your credit history and incur late fees.

Contact us
If you have any problems using the app, please contact us via:
◉ Email: [email protected]
◉ Customer service phone number: 0935297683
◉ Time: Morning 8:00 to Afternoon 17:00 All days of the week
◉ Office address: No. 59, Binh My 31 Street, Ap Binh Co, Binh My Commune, Bac Tan Uyen District, Binh Duong Province, Vietnam
◉ Privacy Policy: https://app.khoahocloan.com/policy.html